topic Re: USB Smartly Replacement in Credit Cards

USB Smartly Replacement

911gt34life — Sun, 16 Mar 2025 13:56:21 GMT

Assuming USB Smartly will be shutting down what will be replacement any ideas 💡

Re: USB Smartly Replacement

swankytiger — Sun, 16 Mar 2025 14:09:55 GMT

BoA PR, PRE, Unlimited Cash back. 1.5/1.87/2.25/2.625 flat (2/2.5/3/3.5 travel/dining PRE/PR) With Preferred Rewards

Logix CU 3% flat with $100k

Alliant CU 2.5% flat on up to $10k/month spend.

Assuming you are meaning Flat cash back.

Re: USB Smartly Replacement

AndySoCal — Sun, 16 Mar 2025 20:37:45 GMT

@swankytiger @911gt34life The Logix option is limited to the following states. The states are CA AZ NV ME NH MD VA MA membership is through the ACC if you do not meet the other membership requirements.

Edited to add MA

Re: USB Smartly Replacement

Anonymous — Sun, 16 Mar 2025 15:44:12 GMT

@AndySoCal wrote:
@swankytiger @911gt34life The Logix option is limited to the following states. The states are CA AZ NV ME NH MD VA membership is through the ACC if you do not meet the other membership requirements.

MA is listed as well on the new account page. Is the credit card offer not available there?

Re: USB Smartly Replacement

swankytiger — Sun, 16 Mar 2025 16:35:45 GMT

Ok for 2.5% flat or better. the only other option is the Robinhood Gold Card. So basically BoA is your only option above 2.5% as the Robinhood card is kinda meh.

Re: USB Smartly Replacement

Anonymous — Sun, 16 Mar 2025 16:41:38 GMT

I would wait to see how smartly gets nerfed (assuming it will still be available for application!) So for now, AOD seems good (3% on first $1,500 a month) but it's possible that Smartly will be at least as good as that, with enough funds stored somewhere! If it gets capped at $2000 a quarter, much less attractive and I wouldn't want to "reward" USB by keeping IRA funds there!

Re: USB Smartly Replacement

AndySoCal — Sun, 16 Mar 2025 20:39:02 GMT

@Anonymous The error was I accidentally omitted MA from the list. I corrected my post

Re: USB Smartly Replacement

ptatohed — Mon, 17 Mar 2025 06:11:08 GMT

I still want to see how 'nerfed' the Smartly Visa gets but, I think, at least in part, the Smartly could be replaced with AOD. I agree with LTL, if USB nerfs it too hard, I will feel jaded and I would want to take my $100k out and go elsewhere. But I also think it's too early to know what exactly the nerf, if any, will be. So, let's sit tight for now.